with people who in many cases are making their first foray into financial literacy, and a big problem they're going to have is trust. a lot of people say the markets are rigged against individual investors, small fries like them don't have a chance against the big boys. i have to tell you, i don't disagree. i don't trust the financial system all that much myself, but i need it to create wealth. and the stock market has made people rich over the last four years. >> absolutely, but the problem is there's no trust because we don't even trust our politicians, besides the financial institutions, besides the media. we're watching this show, we're going to turn the channel and watch another show. we don't know who to trust. even with our own communities, we don't know who to trust, and the financial planning industry, it's based on commission. they're selling us products that at the end of the day, they're really high in cost, lots of fees, and again, who do you trust? >> but in the end, what do you tell people you counsel because you have seen this market run. i get it, there's a real reason not to trust people, but what do you do, sit it out?